Suspension of trading

Income Statement ESSA BANC

Stocks

ESSA

US29667D1046

Market Closed - Nasdaq 16:00:00 2025-07-23 EDT			5-day change	1st Jan Change
20.61 ^USD	+2.54%		-.--%	-

25-07-24	ESSA Bancorp, Inc.(NasdaqGS:ESSA) dropped from S&P TMI Index	CI
25-07-23	ESSA Bancorp, Inc.(NasdaqGS:ESSA) dropped from Russell Microcap Value Index	CI

1d37d1406d899bdf.z5KCyS-095RO1s_wU0atUQ_xUMZYu0HSMzBBHziCkTg.verRlhbtjqIkvarCYwjnYUiuPpVpwSa7Q1gna3vU_mqf5e__SvON0B24oA

Published financial data: ESSA BANC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Interest Income On Loans	55.67M	54.46M	56.05M	73.33M	87.69M
Interest Income On Investments	8.4M	4.23M	6.76M	12.17M	15.77M
Interest Income, Total	64.07M	58.69M	62.81M	85.5M	103M
Interest On Deposits	10.53M	5.52M	2.65M	17.4M	33.32M
Total Interest On Borrowings	5.34M	271K	389K	6.55M	11.86M
Interest Expense, Total	15.86M	5.79M	3.04M	23.94M	45.18M
Net Interest Income	48.21M	52.89M	59.77M	61.55M	58.28M
Service Charges On Deposits	2.92M	3.09M	3.09M	3.08M	2.81M
Trust Income	1.38M	1.53M	1.64M	1.64M	1.64M
Gain (Loss) on Sale of Loans	1.47M	2.17M	239K	172K	375K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.92M	475K	4K	-125K	-6K
Total Other Non Interest Income	4.57M	4.23M	3.54M	3.14M	3.39M
Non Interest Income, Total	13.26M	11.49M	8.51M	7.91M	8.2M
Revenues Before Provison For Loan Losses	61.46M	64.39M	68.28M	69.46M	66.48M
Provision For Loan Losses	3.28M	2.7M	-	700K	-1.36M
Total Revenues	58.19M	61.69M	68.28M	68.76M	67.84M
Salaries And Other Employee Benefits	22.77M	24.75M	24.92M	25.26M	25.54M
Amort. of Goodwill & Intang. Assets	275K	271K	239K	190K	91K
Occupancy Expense	3M	3.06M	3.22M	3.12M	3.4M
Federal Deposit Insurance	720K	1.08M	573K	1.08M	1.64M
Selling General & Admin Expenses, Total	9.03M	9.71M	11.52M	12.9M	13.18M
(Income) Loss on Real Estate Property	-69K	-692K	-226K	231K	101K
Total Other Non Interest Expense	2.36M	3.36M	3.03M	2.91M	2.93M
Non Interest Expense, Total	38.08M	41.54M	43.28M	45.69M	46.88M
EBT, Excl. Unusual Items	20.1M	20.15M	25M	23.07M	20.96M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-2.5M	-254K	-	-	-
EBT, Incl. Unusual Items	17.6M	19.9M	25M	23.07M	20.96M
Income Tax Expense	3.18M	3.47M	4.93M	4.49M	3.97M
Earnings From Continuing Operations	14.42M	16.42M	20.07M	18.58M	16.99M
Net Income to Company	14.42M	16.42M	20.07M	18.58M	16.99M
Net Income - (IS)	14.42M	16.42M	20.07M	18.58M	16.99M
Net Income to Common Incl Extra Items	14.42M	16.42M	20.07M	18.58M	16.99M
Net Income to Common Excl. Extra Items	14.42M	16.42M	20.07M	18.58M	16.99M
Per Share Items
Net EPS - Basic	1.39	1.65	2.06	1.91	1.78
Basic EPS - Continuing Operations	1.39	1.65	2.06	1.91	1.78
Basic Weighted Average Shares Outstanding	10.35M	9.95M	9.76M	9.73M	9.53M
Net EPS - Diluted	1.39	1.65	2.06	1.91	1.78
Diluted EPS - Continuing Operations	1.39	1.65	2.06	1.91	1.78
Diluted Weighted Average Shares Outstanding	10.35M	9.95M	9.77M	9.73M	9.53M
Normalized Basic EPS	1.21	1.27	1.6	1.48	1.37
Normalized Diluted EPS	1.21	1.27	1.6	1.48	1.37
Dividend Per Share	0.44	0.47	0.54	0.6	0.6
Payout Ratio	31.62	28.58	26.27	31.54	34.75
Supplemental Items
Effective Tax Rate - (Ratio)	18.09	17.45	19.73	19.48	18.94
Current Domestic Taxes	3.32M	3.35M	5.12M	4.24M	1.9M
Total Current Taxes	3.32M	3.35M	5.12M	4.24M	1.9M
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-134K	120K	-188K	252K	2.07M
Normalized Net Income	12.56M	12.59M	15.63M	14.42M	13.1M
Non-Cash Pension Expense	-591K	-484K	-410K	-312K	-358K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.17M	1.16M	1.31M	1.36M	1.36M
Total Stock-Based Compensation	1.17M	1.16M	1.31M	1.36M	1.36M

Fiscal Period: September	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Assets
Cash And Equivalents	156M	159M	27.94M	85.4M	48.58M
Investment Securities, Total	121M	186M	101M	236M	96.1M
Trading Asset Securities, Total	2.19M	2.55M	24.48M	19.66M	8.2M
Mortgage Backed Securities	91.43M	76.55M	165M	150M	167M
Total investments	215M	265M	290M	406M	271M
Gross Loans	1.43B	1.36B	1.45B	1.7B	1.76B
Allowance For Loan Losses	-15.4M	-18.11M	-18.53M	-18.52M	-15.31M
Net Loans	1.42B	1.34B	1.44B	1.68B	1.74B
Gross Property Plant And Equipment	43.33M	42.2M	36.07M	42.83M	41.77M
Accumulated Depreciation	-22.02M	-22.37M	-22.95M	-23.87M	-24.82M
Net Property Plant And Equipment	21.31M	19.83M	13.13M	18.96M	16.95M
Goodwill	13.8M	13.8M	13.8M	13.8M	13.8M
Other Intangibles, Total	791K	520K	281K	91K	0
Investment in FHLB	7.2M	4.5M	14.3M	17.8M	18.6M
Loans Held For Sale	-	381K	-	250K	-
Accrued Interest Receivable	-	-	-	-	1.56M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	5.99M	4.61M	5.38M	6.88M	3.89M
Other Real Estate Owned And Foreclosed	269K	461K	29K	3.31M	3.2M
Other Long-Term Assets, Total	55.37M	52.92M	60.77M	60.27M	65.4M
Total Assets	1.89B	1.86B	1.86B	2.29B	2.19B
Liabilities
Interest Bearing Deposits	1.18B	1.33B	1.08B	1.31B	1.29B
Institutional Deposits	123M	44.91M	14.6M	71.99M	84.24M
Non-Interest Bearing Deposits	243M	258M	290M	280M	257M
Total Deposits	1.54B	1.64B	1.38B	1.66B	1.63B
Short-Term Borrowings	119M	1.76M	240M	384M	289M
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	980K	813K	862K	988K	909K
Federal Home Loan Bank Debt - Long-Term	14.16M	-	-	-	10M
Long-Term Leases	6.18M	5.56M	5.41M	5.3M	5.08M
Other Non Current Liabilities	18.38M	15.37M	23.2M	22M	23.08M
Total Liabilities	1.7B	1.66B	1.65B	2.07B	1.96B
Common Stock, Total	181K	181K	181K	181K	181K
Additional Paid In Capital	181M	182M	182M	183M	183M
Retained Earnings	113M	124M	139M	152M	163M
Treasury Stock	-91.48M	-98.13M	-99.8M	-99.51M	-104M
Comprehensive Income and Other	-11.41M	-6.23M	-9.36M	-15.5M	-12.12M
Total Common Equity	191M	202M	212M	220M	230M
Total Equity	191M	202M	212M	220M	230M
Total Liabilities And Equity	1.89B	1.86B	1.86B	2.29B	2.19B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.05M	9.76M	9.72M	9.5M	9.57M
ECS Total Common Shares Outstanding	10.84M	9.73M	9.69M	9.76M	9.53M
Book Value / Share	17.65	20.74	21.91	22.51	24.17
Tangible Book Value	177M	188M	198M	206M	217M
Tangible Book Value Per Share	16.31	19.27	20.46	21.08	22.72
Average Assets	1.9B	1.89B	1.86B	2.01B	2.19B
Average Loans	1.39B	1.39B	1.38B	1.58B	1.72B
Total Debt	140M	8.12M	246M	391M	305M
Deposits at Interest - Cash	54.47M	12.1M	7.97M	46.39M	9.9M
Debt Equivalent of Unfunded Proj. Benefit Obligation	62K	-2.35M	-3.78M	-5.57M	-8.24M
Net Debt	-18.07M	-153M	194M	285M	248M
Full Time Employees	234	234	230	232	236
Part Time Employees	18	17	20	19	17
Number Of Offices	22	21	21	21	21

Fiscal Period: September	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Net Income	14.42M	16.42M	20.07M	18.58M	16.99M
Depreciation, Depletion & Amortization	1.94M	1.92M	1.94M	1.92M	2.01M
Amortization of Goodwill and Intangible Assets - (CF)	275K	271K	239K	190K	91K
Total Depreciation, Depletion & Amortization	2.21M	2.19M	2.18M	2.12M	2.1M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1.47M	-2.17M	-239K	-172K	-375K
(Gain) Loss On Sale of Asset - (CF)	-11K	-692K	-226K	231K	101K
(Gain) Loss on Sale of Investments - (CF)	-1.15M	-1.79M	-381K	-1.26M	-2.21M
Provision for Credit Losses	3.28M	2.7M	-	700K	-1.36M
Stock-Based Compensation (CF)	1.17M	1.16M	1.31M	1.36M	1.36M
Net (Increase) Decrease in Loans Originated / Sold - Operating	1.47M	2M	620K	-78K	625K
Changes in Accrued Interest Receivable	-695K	1.37M	-1.15M	-3.28M	-205K
Changes in Accrued Interest Payable	-647K	-591K	155K	4.99M	-724K
Change in Other Net Operating Assets (Collected)	-591K	-484K	-410K	-312K	-357K
Other Operating Activities	1.78M	-730K	782K	-2M	-2.53M
Cash from Operations	19.75M	19.38M	22.71M	20.86M	13.43M
Capital Expenditure	-1.04M	-401K	-571K	-955K	-221K
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	105M	-51.74M	-24.7M	-124M	137M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-93.31M	76.45M	-93.59M	-249M	-59.2M
Other Investing Activities, Total	4.52M	7.48M	-9.27M	-3.46M	-845K
Cash from Investing	15.43M	31.79M	-128M	-377M	77.02M
Short Term Debt Issued, Total	4.01M	-	231M	144M	-
Long-Term Debt Issued, Total	55.66M	-	-	-	10M
Total Debt Issued	59.67M	-	231M	144M	10M
Short Term Debt Repaid, Total	-	-112M	-	-	-94.65M
Long-Term Debt Repaid, Total	-182M	-14.16M	-	-	-
Total Debt Repaid	-182M	-126M	-	-	-94.65M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-6.57M	-7.08M	-1.88M	-	-5.06M
Common Dividends Paid	-4.56M	-4.69M	-5.27M	-5.86M	-5.9M
Common & Preferred Stock Dividends Paid	-4.56M	-4.69M	-5.27M	-5.86M	-5.9M
Net Increase (Decrease) in Deposit Accounts - (CF)	201M	92.42M	-256M	281M	-31.96M
Other Financing Activities, Total	1.16M	-2.91M	6.85M	-5.25M	320K
Cash from Financing	68.49M	-48.14M	-25.59M	414M	-127M
Net Change in Cash	104M	3.03M	-131M	57.46M	-36.82M
Supplemental Items
Cash Interest Paid	16.51M	6.38M	2.89M	18.95M	45.9M
Cash Income Tax Paid (Refund)	8K	-	3.45M	3.6M	3.26M
Net Debt Issued / Repaid	-122M	-126M	231M	144M	-84.65M

Fiscal Period: September	2020 (USD)	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)
Profitability
Return on Assets	0.78	0.87	1.08	0.89	0.76
Return On Equity %	7.57	8.35	9.69	8.6	7.55
Return on Common Equity	7.57	8.35	9.69	8.6	7.55
Shareholders Value Added	-8.16M	-6.9M	-4.54M	-7.16M	-9.92M
Margin Analysis
SG&A Margin	59.8	60.81	58.09	60.03	62.09
Net Interest Income / Total Revenues %	82.85	85.75	87.54	89.52	85.9
EBT Excl. Non-Recurring Items Margin %	34.55	32.67	36.62	33.55	30.9
Income From Continuing Operations Margin %	24.78	26.62	29.39	27.02	25.05
Net Income Margin %	24.78	26.62	29.39	27.02	25.05
Net Avail. For Common Margin %	24.78	26.62	29.39	27.02	25.05
Normalized Net Income Margin	21.59	20.42	22.89	20.97	19.31
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.17	1.04	0.65	0.51
Nonperforming Loans / Total Assets %	1.07	0.85	0.81	0.48	0.41
Nonperforming Assets / Total Assets %	1.09	0.88	0.81	0.63	0.56
NPAs / Loans and OREO	1.44	1.2	1.04	0.84	0.69
NPAs / Equity	10.76	8.09	7.12	6.54	5.3
Allowance for Credit Losses / Net Charge-offs %	3.05K	-139K	-4.46K	2.64K	-11.25K
Allowance for Credit Losses / Nonperforming Loans %	75.75	114.16	122.85	167.48	169.58
Allowance for Credit Losses / Total Loans %	1.07	1.33	1.27	1.09	0.87
Net Charge-offs / Total Average Loans %	0.04	-0	-0.03	0.04	-0.01
Provision for Loan Losses / Net Charge-offs %	648.51	-20.77K	-	99.57	1K
Earning Assets / IBL	122.54	128.42	131.48	127.19	124.34
Interest Income / Average Assets	3.38	3.11	3.37	4.25	4.72
Interest Expense / Average Assets	0.84	0.31	0.16	1.19	2.06
Net Interest Income / Average Assets	2.54	2.8	3.21	3.06	2.66
Non Interest Income / Average Assets	0.7	0.61	0.46	0.39	0.37
Non Interest Expense / Average Asset	2.01	2.2	2.32	2.27	2.14
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.31	10.47	11.12	10.4	10.05
Total Average Equity / Total Average Assets %	10.31	10.47	11.12	10.4	10.05
Total Equity + Allowance for Loan Losses / Total Loans %	14.43	16.18	15.87	14.02	13.96
Gross Loans / Total Deposits %	92.87	83.06	105.38	102.29	108.01
Net Loans / Total Deposits %	91.87	81.95	104.04	101.17	107.07
Tier 1 Capital Ratio %	12.6	13.2	12.2	11.9	13.2
Total Capital Ratio %	13.7	14.5	13.3	13	14.2
Core Tier 1 Capital Ratio	12.6	13.2	12.2	11.9	13.2
Coverage Ratio	89.51	116.48	127.76	190.29	201
Leverage Ratio %	9.1	10	10.5	9.4	10
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.3	74.42	65.28	4.52	2.77
EBT + Interest Expense / Interest Expense	2.11	4.43	9.22	1.96	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.55	9.72	13	2.98	-5.32
Non Interest Income, 1 Yr. Growth %	62.5	-13.29	-25.96	-7.1	3.77
Provision For Loan Losses, 1 Yr. Growth %	57.76	-17.56	-	-	-294.29
Total Revenues, 1 Yr. Growth %	9.6	6.02	10.69	0.7	-1.33
Earnings From Cont. Operations, 1 Yr. Growth %	14.2	13.93	22.2	-7.44	-8.53
Net Income, 1 Yr. Growth %	14.2	13.93	22.2	-7.44	-8.53
Normalized Net Income, 1 Yr. Growth %	33.68	0.24	24.08	-7.73	-9.14
Diluted EPS Before Extra, 1 Yr. Growth %	18.19	18.71	24.61	-7.1	-6.81
Dividend Per Share, 1 Yr. Growth %	10	6.82	14.89	11.11	0
Gross Loans, 1 Yr. Growth %	6.88	-5.19	7.02	16.83	3.56
Allowance For Loan Losses, 1 Yr. Growth %	21.93	17.62	2.29	-0.02	-17.38
Net Loans, 1 Yr. Growth %	6.74	-5.44	7.08	17.05	3.79
Non Performing Loans, 1 Yr. Growth %	102.03	-21.95	-4.95	-26.66	-18.4
Non Performing Assets, 1 Yr. Growth %	99.76	-20.73	-7.45	-4.89	-14.97
Total Assets, 1 Yr. Growth %	5.23	-1.69	0.02	23.17	-4.6
Total Deposits, 1 Yr Growth %	14.96	5.99	-15.65	20.36	-1.92
Tangible Book Value, 1 Yr. Growth %	1.24	6.05	5.74	3.81	5.25
Average Interest Earning Assets, 1 Yr. Growth %	4.19	-0.49	-1.18	7.34	9.54
Average Interest Bearing Liabilities, 1 Yr. Growth %	1.22	-5.05	-3.48	10.96	12.05
Common Equity, 1 Yr. Growth %	1	5.45	5.21	3.47	4.88
Total Equity, 1 Yr. Growth %	1	5.45	5.21	3.47	4.88
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-0.03	6.07	11.35	7.88	-1.26
Non Interest Income, 2 Yr. CAGR %	30.25	18.7	-19.87	-17.06	-1.81
Provision For Loan Losses, 2 Yr. CAGR %	-9.52	14.04	-	-49.08	-
Total Revenues, 2 Yr. CAGR %	5.73	7.79	8.33	5.58	-0.32
Earnings From Cont. Operations, 2 Yr. CAGR %	48.57	14.07	17.99	6.35	-7.99
Net Income, 2 Yr. CAGR %	48.57	14.07	17.99	6.35	-7.99
Normalized Net Income, 2 Yr. CAGR %	28.39	15.76	11.53	7	-8.44
Diluted EPS Before Extra, 2 Yr. CAGR %	52.21	18.45	21.62	7.59	-6.96
Dividend Per Share, 2 Yr. CAGR %	10.55	8.4	10.78	12.99	5.41
Gross Loans, 2 Yr. CAGR %	4.34	0.66	0.73	11.81	10
Allowance For Loan Losses, 2 Yr. CAGR %	14.79	19.76	9.69	1.13	-9.11
Net Loans, 2 Yr. CAGR %	4.24	0.46	0.63	11.95	10.22
Non Performing Loans, 2 Yr. CAGR %	39.07	25.57	-13.87	-16.51	-22.64
Non Performing Assets, 2 Yr. CAGR %	32.87	25.83	-14.35	-6.18	-10.07
Total Assets, 2 Yr. CAGR %	1.62	1.71	-0.84	10.99	8.4
Total Deposits, 2 Yr CAGR %	7.46	10.38	-5.45	0.76	8.65
Tangible Book Value, 2 Yr. CAGR %	3.83	3.62	5.89	4.77	4.53
Average Interest Earning Assets, 2 Yr. CAGR %	3.02	1.82	-0.84	2.99	8.44
Average Interest Bearing Liabilities, 2 Yr. CAGR %	0.36	-1.97	-4.27	3.49	11.51
Common Equity, 2 Yr. CAGR %	3.35	3.2	5.33	4.34	4.17
Total Equity, 2 Yr. CAGR %	3.35	3.2	5.33	4.34	4.17
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.93	3.12	8.33	8.49	3.28
Non Interest Income, 3 Yr. CAGR %	19.34	13.73	1.42	-15.82	-10.63
Provision For Loan Losses, 3 Yr. CAGR %	-0.75	-12.28	-	-40.21	-20.43
Total Revenues, 3 Yr. CAGR %	5.21	5.83	8.75	5.72	3.22
Earnings From Cont. Operations, 3 Yr. CAGR %	25.24	35.99	16.72	8.82	1.14
Net Income, 3 Yr. CAGR %	25.24	35.99	16.72	8.82	1.14
Normalized Net Income, 3 Yr. CAGR %	33.08	18.22	18.47	4.7	1.32
Diluted EPS Before Extra, 3 Yr. CAGR %	26.3	40.1	20.47	11.17	2.56
Dividend Per Share, 3 Yr. CAGR %	6.92	9.29	10.52	10.89	8.48
Gross Loans, 3 Yr. CAGR %	4.78	1.06	2.73	5.83	8.99
Allowance For Loan Losses, 3 Yr. CAGR %	18.03	15.72	13.63	6.35	-5.46
Net Loans, 3 Yr. CAGR %	4.67	0.91	2.62	5.83	9.16
Non Performing Loans, 3 Yr. CAGR %	12.54	14.71	14.44	-18.36	-17.14
Non Performing Assets, 3 Yr. CAGR %	9.48	11.85	13.58	-11.31	-9.21
Total Assets, 3 Yr. CAGR %	1.98	0.5	1.14	6.59	5.53
Total Deposits, 3 Yr CAGR %	6.59	6.97	0.91	2.47	-0.14
Tangible Book Value, 3 Yr. CAGR %	1.9	4.56	4.32	5.19	4.93
Average Interest Earning Assets, 3 Yr. CAGR %	3.06	1.83	0.81	1.82	5.13
Average Interest Bearing Liabilities, 3 Yr. CAGR %	1.19	-1.48	-2.47	0.56	6.27
Common Equity, 3 Yr. CAGR %	1.56	4.04	3.86	4.71	4.52
Total Equity, 3 Yr. CAGR %	1.56	4.04	3.86	4.71	4.52
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.94	2.42	5.6	5	4.39
Non Interest Income, 5 Yr. CAGR %	10.92	5.53	1.76	0.24	0.12
Provision For Loan Losses, 5 Yr. CAGR %	9.56	1.15	-	-29.43	-8.11
Total Revenues, 5 Yr. CAGR %	3.24	3.02	6.44	5.73	5.03
Earnings From Cont. Operations, 5 Yr. CAGR %	8.04	16.28	22.29	23.25	6.12
Net Income, 5 Yr. CAGR %	8.04	16.28	22.29	23.25	6.12
Normalized Net Income, 5 Yr. CAGR %	9.06	13.81	24	13.6	6.87
Diluted EPS Before Extra, 5 Yr. CAGR %	8.37	17.72	24.4	26.06	8.64
Dividend Per Share, 5 Yr. CAGR %	5.29	5.48	8.45	10.76	8.45
Gross Loans, 5 Yr. CAGR %	5.23	2.04	3.14	5.23	5.58
Allowance For Loan Losses, 5 Yr. CAGR %	11.54	14.87	14.62	9.65	3.92
Net Loans, 5 Yr. CAGR %	5.17	1.92	3.03	5.19	5.59
Non Performing Loans, 5 Yr. CAGR %	0.22	-3.86	1.12	1.03	-2.15
Non Performing Assets, 5 Yr. CAGR %	-1.88	-5.77	-0.76	4.26	3.46
Total Assets, 5 Yr. CAGR %	3.34	0.98	0.84	4.57	3.99
Total Deposits, 5 Yr CAGR %	7.08	6.14	1.6	4.44	3.94
Tangible Book Value, 5 Yr. CAGR %	2.11	3.22	3.48	4.65	4.4
Average Interest Earning Assets, 5 Yr. CAGR %	3.94	1.96	1.48	2.3	3.79
Average Interest Bearing Liabilities, 5 Yr. CAGR %	2.42	-0.06	-1.03	0.48	2.89
Common Equity, 5 Yr. CAGR %	2.25	2.74	3.05	4.16	3.99
Total Equity, 5 Yr. CAGR %	2.25	2.74	3.05	4.16	3.99